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Benjamin Kral

Amsterdam, Netherlands

Hands-on strategy consultant working with global clients as well as cross-functional and international teams to perform data-driven research and streamline business and IT strategies while fostering transformational change in the financial services industry.

Exhibits excellent verbal and written communication skills, highly organized, with strong analytical abilities and a great eye for detail.

Avidly curious and a life-long learner who values integrity, commitment, and diversity above all. Always keeping a growth mindset, I aim to achieve excellent results and take each challenge as a chance to advance.

Benjamin Kral Points
Academic 0
Author 30
Influencer 0
Speaker 0
Entrepreneur 0
Total 30

Points based upon Thinkers360 patent-pending algorithm.

Thought Leader Profile

Portfolio Mix

Company Information

Areas of Expertise

Business Strategy 31.37
Digital Transformation 30.25
Emerging Technology 30.63
Fintech 33.41
Innovation 30.04
Entrepreneurship 30.17

Industry Experience

Financial Services & Banking
Professional Services

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Publications

2 Analyst Reports
Digital Banking in Asia Pacific
BPC Banking Technologies
July 15, 2021
A variety of digital-only banks have emerged over the last decade. These new entities, also referred to as neo banks or challenger banks, offer modern banking propositions tailored to the smartphone and digital world. They were founded in the aftermath of the 2008 global financial crisis with the vision of making banking services more accessible and equitable. These digital banks are setting the benchmark for the future banking market.

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Tags: Business Strategy, Emerging Technology, Fintech

Digital Banking in Latin America
BPC Banking Technologies
June 01, 2021
The Latin American region is currently undergoing one of the largest digital transformations in the world. It continues to stabilise a high level of digital adoption, while also ensuring financial inclusion to the unbanked population. This report investigates the current digital banking landscape of the region, summarizes propositions and strategies of various selected players and provides a list of carefully assessed action points and imperatives to enter the market and establish your digital bank.

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Tags: Digital Transformation, Fintech, Business Strategy

7 Article/Blogs
How to design the operating model of a digital bank
Fincog
January 11, 2022
Operating models are an integral part of every bank’s business and if not properly designed, a bank can suffer critical consequences such as high operational cost, increased time-to-market cycles, elevated compliance risk and slowed decision making. In this blog article, we want to help you better understand how to avoid these pitfalls and show what it takes to design a comprehensive and successful operating model.

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Tags: Digital Transformation, Fintech, Business Strategy

How to choose the right IT Vendor for your digital bank
Fincog
October 26, 2021
IT Vendors and digital solution providers have experienced a growing spur during Covid-19 bringing with them various options and driving countless new banking technology solutions. Along with the growing number of IT providers, banks now have a large pool of solutions to choose from. However, making the right choices is crucial and can ultimately determine the success or failure of the organization. Based on our experience, we have put together the major steps to take when choosing an IT Vendor for your digital bank.

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Tags: Business Strategy, Entrepreneurship, Fintech

Applying for a financial services license
Fincog
September 07, 2021
Applying for a financial license marks a significant time and monetary investment with a certain risk factor not to be successful. However, by being well prepared and following a structured and targeted process, you can drastically improve the chances and efficiency of a successful license application independent of which type of banking or fintech license you are applying for. In today's blog, we therefore present 5 essential steps and key success factors to take in mind when applying for a financial serviceslicense.

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Tags: Business Strategy, Entrepreneurship, Fintech

How to choose the right regulatory regime for your bank
Fincog
August 19, 2021
Financial services are heavily regulated and before being able to provide such, one typically needs a regulatory license in some form. Licenses differ in their scope of permitted activities and requirements on the organization. Additionally, regulatory frameworks also vary across jurisdictions and types of financial services provided. This blog post aims to provide an overview of existing licensing regimes across the world and help new digital banks in making the right choices

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Tags: Digital Transformation, Fintech, Business Strategy

The Global Phenomenon of Buy Now, Pay Later
Fincog
May 29, 2021
While it is debatable in what country buy now, pay later first began, the rapid expansion across the globe has allowed for new types of consumer financing solutions to evolve quickly. New entrants seemingly launch weekly, and product and geographic extensions from existing players just as commonly. Together with Jason Mikula from Fintech Business Weekly and Jeroen de Bel from Fincog, I have created a global industry primer discussing the in and outs of BNPL.

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Tags: Digital Transformation, Fintech, Business Strategy

The Rise of Digital SME Lending
Fincog
May 05, 2021
Despite being a key operational concern, the largest business segment of the European economy struggles to adequately access financing. Capitalizing on this mismatch, a number of new digital players have stepped up, revamping the lending process to develop accessible propositions that are tailored to SMEs. We take a closer look at these new digital lending propositions as well as the challenges that they must address.

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Tags: Business Strategy, Fintech, Innovation

Four Things Incumbents Can Learn From Neobanks
Fincog
March 23, 2021
In the last 5 years, we’ve seen the number of digital banks grow at a terrific speed. Their modernized services, unrelenting approach to customer-centricity, and innovative tech stack have taken the banking industry by storm, encouraging the entire industry to rethink how financial services are done. We put together four of the main lessons incumbents can learn from the new digital banks.

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Tags: Digital Transformation, Fintech, Business Strategy

1 Whitepaper
How to successfully build a digital bank
BPC Banking Technologies
February 01, 2021

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Tags: Business Strategy, Digital Transformation, Fintech

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Benjamin Kral